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Privacy Page
Overview
In today's environment, where people are subjected to marketing calls, junk mail, and spam and are very concerned about fraud and identity theft, we recognize the seriousness of our responsibility to help maintain the privacy and security of your personal information. As a result, we have adopted privacy and security practices that go beyond minimum legal requirements in order to give you greater comfort. We invite you to compare what we do with any other lender that you are presently using or considering.
Recognize and prevent scams
We take your security seriously. Protect yourself from fraudsters who reach out to you pretending to be LightStream. Always confirm the caller is from LightStream before sharing personal information.- After you submit an application at LightStream.com or on the LightStream Mobile App, we may contact you to verify your identity and some of the information you provided in your application.
- LightStream will only call you directly if there are questions about an application you’ve submitted.
- LightStream will not contact you to ask for or confirm your personal information until after you have submitted your loan application.
- LightStream does not conduct telemarketing outreach.
- If someone calls you and tells you that you have been approved for a loan that you did not apply for, it is not LightStream.
- LightStream does not charge any fees and will never ask you to send funds before signing your loan agreement. The only money you are required to send us is your regular monthly payment after taking out a loan from us.
We are a Norton Secure Site:
For Nevada residents only, Nevada law requires that we also provide you with the following contact information:
Bureau of Consumer Protection, Office of the Nevada Attorney General
555 E. Washington St., Suite 3900
Las Vegas, NV 89101
Phone: 702.486.3132
Email: BCPINFO@ag.state.nv.usWe may modify this privacy and security policy from time to time. We will post such changes to this page and update the last revised date. If the changes to the policy are significant, we will provide a more prominent notice including, possibly, an email notification to you.
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Privacy Policy
FACTS WHAT DOES LIGHTSTREAM DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: - Social Security number and income
- account balances and payment history
- credit history and credit scores
How? All financial companies need to share customers' information to run their everyday business—to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons LightStream chooses to share; and whether you can limit this sharing. Reason we can share your personal information Does LightStream share? Can you limit this sharing? For our everyday business purposes—
such as process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYes No For our marketing purposes—
to offer our products and services to youYes Yes (See below) For joint marketing with other financial companies No We don't share For our affiliates' everyday business purposes—
information about your transactions and experiencesYes No For our affiliates' everyday business purposes—
information about your creditworthinessYes Yes (See below) For our affiliates to market to you Yes Yes (See below) For nonaffiliates to market to you No We don't share To limit our
sharing- LightStream customers, please go to Preferences in the customer service section of the LightStream web site to change your preferences to limit our sharing.
- You may also email LightStream at privacy@lightstream.com
Questions? - Email us at privacy@lightstream.com or go to www.lightstream.com/privacy
Who we are Who is providing this notice? LightStream, and its affiliates. What we do How does LightStream protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
Our employees are bound by our Code of Ethics and policies to access consumer information only for legitimate business purposes and to keep information about you confidential.How does LightStream collect my personal information? We collect your personal information, for example, when you - open an account or deposit money
- pay your bills or apply for a loan
- use your credit or debit card
Why can't I limit all sharing? Federal law gives you the right to limit sharing only for - affiliates' everyday business purposes—information about your creditworthiness
- affiliates to market to you
- nonaffiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account—unless you tell us otherwise Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. LightStream is a division of Truist Bank. - Our affiliates include companies with a Truist name; financial companies such as Sterling Capital Management LLC, GenSpring Holdings, Inc., Regional Acceptance Corporation, McGriff Insurance Services, Inc., MBT, Ltd., and GFO Advisory Services, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. - LightStream does not share information with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. - LightStream does not have any joint marketing partners.
Other important information State and Local Regulations: If, in addition to federal law, you are protected by specific state or local rules concerning information sharing and marketing, Truist will fully comply with these regulations as well. Under Vermont and California law, we will not share information we collect about you with companies outside of Truist Bank, unless the law allows. Nevada State law requires that we provide residents with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702.486.3132; Email: BCPINFO@ag.state.nv.us. Use of Third Parties: We have arrangements with companies whose experience is essential for our own services to operate properly. These companies, some of which may be located outside the United States, work at LightStream's direction, only receive the information necessary to perform these functions, and adhere to LightStream’s data security guidelines.Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report.Do Not Call Policy. This notice is LightStream’s Do Not Call Policy under the Telephone Consumer Protection Act. LightStream abides by all federal and state regulations on telephone usage, maintains an internal Do Not Call list and makes no telemarketing calls to numbers on this list. All Do Not Call requests are implemented within 30 days and the selection is permanent - unless you elect to remove your number from the list. -
Online Privacy Practices
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Security Policy
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CCPA Notice at Collection
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